ExplainerTaxation
TDS explained: why it isn’t your final tax
Tax deducted at source is an advance payment, not a final bill. How TDS works on deposits and dividends, and what to do about it when you file.
2 min read
Academy · Articles
Articles & explainers
Long reads that take an idea apart, and short explainers that fit in a coffee break. Filter by topic or browse by tag.
6 pieces
ExplainerRetirement
Withdrawal rates in retirement, explained
How much of a corpus can you draw each year? Why the answer depends on inflation, returns and time — and why rules of thumb from elsewhere need care.
2 min read
ExplainerMutual Funds
What NAV really means (and why a low NAV isn’t cheap)
NAV is a fund’s per-unit value, not its price tag. Why a ₹10 NAV is not a bargain, what moves NAV, and which NAV you get when you invest.
2 min read
ExplainerInvesting Basics
Nominal vs real return: the number that actually matters
A return matters for what it can buy. How to turn a nominal return into a real, after-inflation return — and why tax belongs in the picture too.
2 min read
ExplainerMutual Funds
CAGR vs XIRR: which return number should you use?
CAGR suits a single investment held over time; XIRR handles many cash flows on different dates. Using the wrong one can flatter or understate returns.
2 min read
ExplainerInvesting Basics
The Rule of 72, explained in one minute
Divide 72 by a growth rate to estimate how many years it takes to double. A handy shortcut for returns, inflation, costs and debt.
2 min read